[afterwalk]

What interests me most about the FI community on reddit is how they split into two very different subgroups(leanfire and fatfire). Part of it is a difference in frugality, but part of it is is a fundamental difference in modeling risk.

[samvher]

Do you mean that fatfire folks calculate a greater margin to handle risk or the other way around?

[ghaff]

Well, fatfire just has a larger bucket. If you've calculated a budget down to the penny (or even have a budget outside of in a generalized way), it's a lot harder to absorb unmodeled risks.